First Business Financial Services (FBIZ) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

First Business Financial Services (FBIZ) reported $44.53 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 17%. EPS of $1.70 for the same period compares to $1.24 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $42.37 million, representing a surprise of +5.1%. The company delivered an EPS surprise of +22.3%, with the consensus EPS estimate being $1.39.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how First Business Financial Services performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Efficiency ratio: 57.4% versus the three-analyst average estimate of 59.8%.Net Interest Margin: 3.7% versus the three-analyst average estimate of 3.6%.Net charge-offs (recoveries) as a percent of average gross loans and leases (annualized): 0.2% versus the two-analyst average estimate of 0.2%.Average Balance - Total interest-earning assets: $3.79 billion versus $3.78 billion estimated by two analysts on average.Net Interest Income: $34.89 million versus the three-analyst average estimate of $34.54 million.Total Non-Interest Income: $9.64 million compared to the $7.83 million average estimate based on three analysts.Service charges on deposits: $1.15 million compared to the $1.06 million average estimate based on two analysts.Private wealth management service fees: $3.69 million compared to the $3.9 million average estimate based on two analysts.Gain on sale of SBA loans: $0.38 million compared to the $0.85 million average estimate based on two analysts.View all Key Company Metrics for First Business Financial Services here>>>Shares of First Business Financial Services have returned -0.9% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.Zacks' Research Chief Picks Stock Most Likely to "At Least Double"Our experts have revealed their Top 5 recommendations with money-doubling potential – and Director of Research Sheraz Mian believes one is superior to the others. Of course, all our picks aren’t winners but this one could far surpass earlier recommendations like Hims & Hers Health, which shot up +209%.See Our Top Stock to Double (Plus 4 Runners Up) >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report First Business Financial Services, Inc. (FBIZ): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks